Accepted credit scores
AdoptedLoanthe results
Excellent credit, good credit
Annual contribution
0 $
Prizes
Get a $30 credit when you open an account and make a $30 purchase within 30 days of account opening. Terms and conditions apply.
Earn 5% fuel back at gas stations in the US and Puerto Rico, and at Sam's Club and Walmart gas stations ($6,000 per year on first purchases, then 1% on subsequent purchases).
Earn 3% cash back on meals and 1% on all other eligible purchases.
Plus members receive 3% cash back on all Sam's Club purchases and 2% in cash back on eligible club purchases.
A maximum of $5,000 in prize money can be earned per calendar year.
APR on purchases
20,40% - 28,40% (V)
Balance transfer
Balance transfers are not allowed
WalletHub review
Pros and Cons of the Sam's Club® Business Credit Card
There is no membership fee
High prize money
$30 initial reward bonus
No foreign fee
Reward Limits
No introductory APR on purchases
Balance transfers are not allowed
Requires good/excellent credit
Additional information about the Sam's Club® Business Credit Card
| ATM withdrawal costs | 3% (min. 5 USD) |
| PUK cash advance | 25,40% - 31,40% (V) |
| foreign transaction costs | 0% |
| smart chip | Yes, chip and signature |
| maximum late fee | 39,99 $ |
| maximum collection costs | 0 $ |
| maximum APR penalty | 29,99% |
| Grace period | 20 dana |
find out more
on the secure website of Synchrony Bank
•
Accepted at all Sam's Club and Walmart® locations nationwide.
find out more
on the secure website of Synchrony Bank
Ask
Can't find what you're looking for? Submit your Sam's Club® Business Credit Card question to our community. The publisher of this card does not offer, review or endorse editorial or user-generated content.
The most popular
What credit score is required for a Sam's Club business credit card?
12
Positive votes
Answer
12
6
PortfolioHub
@WalletHub
You need at least 700 credits to get a Sam's Club business credit card. This does not guarantee that your application will be approved, but it can serve as an indicator of risk to your card company. In other words, it shows how likely you are to pay off your debt.
However, credit card companies generally look at the bigger picture, which includes the number of delinquent accounts on your credit report, hard issues, debt and income.
You can thoughcheck your credit score for free on WalletHubso you know where you are.
3
What are the monthly fees for the Sam's Club Business Credit Card?
4
Positive votes
Answer
4
2
PortfolioHub
@WalletHub
The Sam's Club Business Credit Card has no monthly or annual fees. The only fixed cost is a Sam's Club membership. Good luck!
9
6
What is the exchange rate if I use a Sam's Club credit card in Canada?
3
Positive votes
Answer
3
2
How long does it take to receive?
3
Positive votes
Answer
3
How can I view my invoice online?
3
Positive votes
Answer
3
4
PortfolioHub
@WalletHub
You can register for online account management here: https://www.onlinecreditcenter6.com/consumergen2/conregistration.do. Let us know if you have any more questions. Good luck!
1
Can I use Sam's Business Credit Card anywhere?
2
Positive votes
Answer
2
Kelly Cruz
@kellie_cruz
You can use your Sam's Business Credit Card anywhere Mastercard is accepted. This basically means any store that accepts credit cards.
Plus, you get up to 5% cash back at gas stations in the US and Puerto Rico. Purchases in restaurants and on trips give you 3% cash back, and all other…
Show more
1
What can I do if I lose my Sam's Club Business Credit Card?
2
Positive votes
Answer
2
Alexa Cunninghama
@alex_cunningham
If you've lost your Sam's Club Business credit card, call 1-800-964-1917 or 1-866-220-0254 to report it. Your card will be blocked and you can request a replacement card.
And that is possibleApplyto your online Sam's Club Credit account to report it. Click the Services drop-down list...
Show more
1
How long does it take to get a Sam's Club business credit card?
Positive votes
Answer
John Miller, Credit Card Moderator
@john_miller
It takes 7 to 10 working days to receiveSam's Club® Business Credit Cardafter approval. Unfortunately, you cannot request expedited shipping.
However, if you need the card sooner, remember that you can start using it to make purchases at Sam's Club once it's approved. The temporary map data will be…
Show more
How can I check the status of my Sam's Club Business Credit Card application?
Positive votes
Answer
John Miller, Credit Card Moderator
@john_miller
You can check yoursSam's Club® Business Credit Cardrequest status by calling customer service at no(800) 964-1917. It only takes a few minutes to find out if your application has been approved, rejected or pending. The publisher does not allow you to check the status of your application online.
You will usually...
Show more
How do I get a Sam's Club business credit card with an EIN?
Positive votes
Answer
Maria Adamska, Credit Card Moderator
@m_adams
You can get itSam's Club® Business Credit Cardwith the EIN in the same way as with the SSN. Simply enter your EIN instead of your SSN when completing the application. You can apply for an EIN forSam's Club® business shopping cardalso, in the same way.
It doesn't matter how...
Show more
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WalletHub prices 2023
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Sam's Club® Business Credit Card Reviews
Share your insights and check out the Sam's Club® Business Credit Card
5
12%
4
60%
3
16%
2
4%
1
8%
3.6
218 reviews
218 reviews
What is your rating?
Last
Michael Sadler
@mhsxtra2016
1 ster
I would give this card a 0 if possible. I have been a corporate member of Sam's for 20 years and the MasterCard issued by Synchrony Bank is terrible. I have excellent credit and have always paid off my card in full each month. Those bastards have an algorithm that pulls out your card when you least expect it. You then have to jump through hoops to unlock them. I recently remodeled my kitchen and bought high end appliances in my hometown. Nothing special, because I often buy things for thousands of dollars. They locked it and when I tried to unlock it, they asked me to use an impossible smartphone app that takes a picture of your face and then takes a photo of your driver's license. What an invasion of privacy! The app didn't work at all and then blocked me permanently. The only way to unlock it is to write a letter to Synchrony Bank with a copy of your ID and utility bill from the registered address. Then you have to wait another month to see if their worthless fraud unit accepts it. I hate this bank and their terrible customer service. I wish Sam would do business with another company. Do not set up scheduled payments on this card as it will be declined when your card closes randomly. Although Sam's card gives you 2% back when you spend over $1000.00, I recommend using another card. There are other cards that will give you 1-1/2% back with no annual fee and don't treat you like a criminal just for using the card.
Remark
2
Eric Reynolds
@ericr_14
1 ster
TERRIBLE CARD, THE WORST I HAD!! It took them 6 cards to get the real name of my company. Their website is TERRIBLE, took an awful long time to create an account and is never updated or accurate. Don't expect to have to search past statements online. I just found out that the rewards are only paid out ONCE A YEAR!!! Ridiculous and if you cancel your card you will lose your rewards. Scandalous!!! Get started!!!!
Remark
1
Jeff McGrew
@jeffm13
1 ster
Synchrony bank lied to me when I called that my card was declined. I was lied to by a customer service representative and when I was transferred to the fraud unit, I concluded that the customer service representative was lying. The customer service rep wouldn't tell me I was being transferred to the fraud department, he said I needed to be transferred, but he wouldn't tell me who or why I needed to talk to someone else. When I spoke to the fraud department they said that the purchase I was trying to make had aspects consistent with fraud. The first thing that came to my mind is that these guys I want to do business with are scammers, but if I ask the scammer if they know anything, I know they won't say anything, but there was something in the deal that was consistent with a scam.
I have had the card for a short time and I remember it from the perspective of time. While I was waiting in line to get my card, the guy behind me told me a story about how his card had been declined several times and it didn't work while it was in transit. He was with Sam because he was told to come to card lessons. Of course I just thought he was in trouble, but in reality he experienced what can and will happen to anyone who does business with Sam's MasterCard.
I liked the convenience of this card as a membership and credit card, but I plan to change the way I do business to avoid Synchrony Bank and their games.
Remark
2
Elizabeta Kolenda
@elizabethk_11
1 ster
For years we only used it as a spare because we had a lot of problems with it. The website is out of date and it takes a few days for the purchase to go through. They keep blocking the card for suspicious activity without telling us, so we won't know until the card is declined at the worst possible time. Transactions that are blocked also don't seem to make sense. A large out-of-town purchase is not deducted, but a monthly subscription is charged on the same day each month. Why did it seem suspicious this time? I just spent 22 minutes on the phone with customer service and no one answers. I think we are finally giving up on the card. All the effort costs the company more than the benefits that save us.
Remark
4
Cynthia Simpson
@cynthias_20
4 stars
I am very happy with this card. I use it more at Walmart..lol. I applied in December 2014. I was approved for $437 for a Sam's Club Store business card. I do pymty. several times a month. In May 2015 I requested an increase but 5 days later my credit limit was increased to $600, a month later (June 2015) it was increased to $700, in November 2015 my new credit limit was increased to $1100. Logging into my account was hectic, I'm used to it. Pymty online sometimes takes up to 5 days to ship and the same time to debit my bank account. In shop pymts. sometimes it will be posted immediately after cash payment, but it can take up to 3/5 days. In reality, just watch your balance. I was shocked at my last increase because I still had a lot of debt to pay off. Good luck. I hope it helps.
Remark
3
3
patty gatekeeper
@pattyp2
1 ster
This is a terrible card. I just have problems with it. Something always comes up that they have to change my number and give me a new card. I appreciate the security, but the internet connection to pay the bill works once and then it doesn't. The site is outdated and difficult to navigate. If there is a problem and you call while you are not in the office, the security question (at least twice) has to do with my last payment. I can't remember it by heart. So it goes without saying that the card is not used anywhere but at Sams, or maybe not. worst card ever.
Remark
2
1
Stefan Mazuchowski
@stephenm_22
3 stars
This card does not help track data. It doesn't have a yearly breakdown like most other charts. Plus, online statements only go back a few months, and if your card is replaced, all of your online history is gone.
If you use this card, keep your paper statements.
What does the board think? I keep getting offers for electronic statements, but management has no idea how inefficient it is for business documents.
Remark
2
1
ZMac Patel
@zmacp
1 ster
This is one of the worst cards. Please, Sams, do something about it. I use it for my work. I will be banned if I use it more than twice a day. That's so stupid. I have to call them and they apologize for the suspicious activity! ! ! Omg chill some people. Another thing that drives me crazy is internet access. The site looks like it was made in 1995.
Customer service sucks
Credit card is crap
I'm really starting to hate Sam's Club!!!
I think it's time to change Cosco
Remark
6
2
Malia Rzeplinska
@maliar
1 ster
I got multiple calls for being late and paying twice when I shouldn't have. I have had no problems with ant from my other cards and every other month I have a problem with the one in the SAMs club. I've never been this mad at any other card, but I have to say the Philippines rep was very good. Now I only pay cash at ATMs.
Remark
6
2
ZMac Patel
@zmacp
Oh, they drive me crazy. I strongly advise against this card
Remark
Michi Fry
@michael.frey.12532
1 ster
Their interest is great. For the best score you must have 825 points. I have almost 800 and the interest they gave me is 22.9%. My other cards are around 9-12%. It's not worth the cash back when you can get similar ones with lower interest cards like Costco and AARP.
Remark
3
1
CondemnationSam's Club® Business Credit Card
Sam's Club® Business Credit Card
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FAQs
Does Sam's Club have business credit? ›
Sam's Club® Business Mastercard®, issued by Synchrony Bank, is an ideal credit card for business owners who are Sam's Club members. It has no annual fees and provides cash back on gas, dining, and other purchases made at Sam's Club.
What credit score do you need for a Sams Club business credit card? ›You need a credit score of at least 700 to get the Sam's Club Business Credit Card. That doesn't guarantee that your application will be approved, but it can serve as a risk indicator to the credit card company. In other words, it shows how likely it is that you'll repay your debt.
What is a Sams Club business card? ›The Sam's Club Company Card is a remnant of the Business Membership. It is a card associated with a company or business that only lists the name of the company on the card and is intended for general use by company employees. Sam's Club no longer issues company cards but many are still in use.
Does Sams business credit card require personal guarantee? ›Sam's Club Business Mastercard
Businesses incorporated for at least two years and earning a minimum of $5 million in yearly revenue can apply for this card without a personal guarantee. The card comes with a $0 annual fee and rewards on gas, dining, and other Sam's club purchases.
It depends. As a general rule, membership dues to clubs such as Costco, Sam's Club, health/athletic clubs, or other clubs organized for pleasure are not deductible as a business expense. A business membership to Costco or Sam's Club would be deductible.
What is the advantage of a Sam's Club business membership? ›Plus membership provides the best, highest value available. If you run a business, Plus benefits like free shipping, Curbside Pickup and early shopping hours can help take your business to the next level.
Can I get a business credit card with a 625 credit score? ›Can I get a business card with a 625 score? Business owners with poor personal credit (a score below 630) will have a hard time qualifying for a standard business card.
Who does Sam's Club business credit card report to? ›The Sam's Club Business Store Card does not report to Dun & Bradstreet directly. It reports to the three major consumer credit bureaus, TransUnion, Equifax, and Experian.
What is the average limit on a Sam's Club credit card? ›The credit limit for the Sam's Club Credit Card typically ranges from $1,000 to $10,000, although reports indicate it's possible to get higher limits. Your credit limit on your Sam's Club Credit Card is determined by multiple factors, including your annual income and credit history.
How much does a Sam's business card cost? ›Business - $35*
Three annual Membership cards – a personal card, a household member (over 18 years of age) card and a company card. Up to 8 add-on Memberships. (Business Plus Members can have up to 16 add-on Memberships.)
Can I use my Sam's business credit card at Walmart? ›
The Sam's Club Credit Card is designed to be used as a store card for purchases at Sam's Club and Walmart. The Sam's Club Mastercard can be used as a more general payment card and is accepted wherever Mastercard is.
Can I use my Sam's club business credit card at Walmart? ›Yes, you can use your Sam's Club® Credit Card at Walmart. The Sam's Club® Credit Card can be used anywhere Mastercard is accepted. That is pretty much anywhere, as Mastercard benefits from extensive worldwide acceptance.
Do they run your personal credit for a business credit card? ›Applying for your first business credit card will trigger a hard credit inquiry on your personal credit, which could lower your score by a few points. And lenders might continue to conduct personal credit inquiries when you apply for additional small-business credit cards or small business loans.
Does a business credit card look at your personal credit? ›When you apply for a business credit card, the card issuer may consider both your business's track record and your personal credit. This could include running a hard credit check on your personal credit, which could drop your credit scores by a few points.
How do I get business credit? ›- Register your business and get an EIN. ...
- Apply for a DUNS number. ...
- Open a business credit card. ...
- Establish trade lines with your suppliers. ...
- Pay creditors early. ...
- Borrow from lenders that report to credit bureaus. ...
- Avoid judgments and liens.
An add-on membership is just like it sounds. Not a primary or complimentary cardholder, but an additional prorated Membership ($45), ideal for businesses or large families. Sam's Club Members may obtain up to eight (8) Add-on Memberships for an additional fee, $45 for each Add-on.
Can I write off club membership as a business expense? ›Your business can only deduct dues and expenses on your business tax return for clubs whose purpose is business-related. The purpose and activities of the club, not the name, is the determining factor in whether you can deduct club dues.
Can you write off membership dues on taxes? ›Ultimately, membership dues can be a confusing part of filing your taxes with the IRS. However, a good rule of thumb is that membership dues will be deductible if: Their value exceeds what the member is getting back from the nonprofit. The dues are paid to a valid organization.
What are the benefits of membership business? ›- Reliable recurring revenue. ...
- Increased customer loyalty & strong customer base. ...
- Reduced churn & better customer retention. ...
- Increased LTV. ...
- Higher customer engagement. ...
- Lower customer acquisition costs (CAC) ...
- Easier financial forecasting & inventory management.
There are two levels of membership. A basic Sam's Club membership is $50 a year and $110 for Sam's Club Plus. A regular membership will get you in the door and allows you to purchase anything in-store or online — and you'll get 1% back on all purchases.
How long does it take to get approved for a Sam's Club credit card? ›
Members must sign in or create an online account with their Sam's Club membership to apply online. Some applicants may be approved instantly (there are many other instant approval cards as well). However, other applications may require further review, resulting in a waiting period of 7 to 10 days.
What is a normal business credit score? ›| Score range | Risk class |
|---|---|
| 80-100 | Low |
| 50-79 | Medium |
| 0-49 | High |
Business Credit Risk Score
Businesses are ranked on a scale between 101 to 992, with a lower score correlating to a higher risk of delinquency. A good Business Credit Risk Score is around 700 or higher.
Yes, business credit cards require a hard pull on your personal credit report. Most business credit cards require a personal guarantee, meaning the primary cardholder will pay back any debts that the business cannot, so the issuer needs to evaluate the applicant's personal creditworthiness.
What bank owns Sam's Club credit card? ›See the "How to Earn Sam's Cash with your Sam's Club® Mastercard®" rewards program terms for details. Subject to credit approval. The Sam's Club Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated.
What's the difference between Sam's Club credit and Sam's Club Mastercard? ›The Sam's Club Store Card and the Sam's Club® Mastercard® are entirely different products. The Mastercard is an “open-loop” card meaning it can be used outside of the warehouse club. The Sam's Club Credit Card is a store-only card without rewards that's only accepted at Sam's Club and Walmart stores.
Does Sam's Club business credit card report to Dun and Bradstreet? ›Does the Sam's Club Business MasterCard report directly to Dun & Bradstreet? No, Sam's Club only reports directly to Transunion, Equifax, and Experian.
Does Sam's Club do a hard pull for credit limit increase? ›You can get a Sam's Club® Credit Card credit limit increase by requesting it online or by calling (800) 964-1917. Currently, the issuer doesn't offer automatic increases. Keep in mind that credit limit increases might result in a hard pull on your credit.
Is 21 credit cards too much? ›There is no universal number of credit cards that is “too many.” Your credit score won't tank once you hit a certain number. In reality, the point of “too many” credit cards is when you're losing money on annual fees or having trouble keeping up with bills — and that varies from person to person.
How many store credit cards is too much? ›It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
How much should 1 business card cost? ›
If larger business cards make sense for your business, then it's important to keep in mind that the larger the business card is, the higher the price will be. For the standard 3.5” x 2” business card size, when ordering 500 custom business cards, the average cost per business card is around $0.06-$0.24.
Which is cheaper Costco or Sam's Club? ›Does Costco or Sam's Club Have Better Prices? Overall, the prices at Costco tend to be cheaper. However, Sam's Club has a greater selection of name-brand products and a cheaper membership fee.
What is the most expensive Sam's Club membership? ›The Sam's Club membership cost increased on Oct. 17, 2022, with the entry-level membership jumping from $45 to $50 per year and their Plus membership increasing from $100 to $110 per year.
How hard is it to get a Sam's Club credit card? ›The credit score needed for the Sam's Club® Credit Card is at least 700. That's in the “good” credit range but barely meeting a card's minimum requirements is far from the ticket to high approval odds. You'll need income to make your payments, and the issuer will look at several other factors, too.
Can I use my Sam's Club credit card for gas? ›Sam's Club MasterCard may be used if the fuel center accepts these types of credit cards—check sign on pump or with station attendant for accepted cards. Walmart and Sam's Club gift cards can be used at Walmart or Sam's Club Fuel Centers.
Can I use my Sam's Club credit card at ATM? ›— Sam's Club Mastercard Cardholders still have access to cash through ATMs or at Banks branches/drive-thrus. — Cash advances on Sam's Club personal credit are not available at Walmart stores.
How much can you get on a Sam's Club credit card cash advance? ›You may obtain a Sam's Club Credit Card cash advance at Sam's Club and even at Walmart. It's called a quick cash advance and you can get up to $100 per day (you're allowed a single quick cash advance/day) at the register. It will work just like a normal purchase, so no cash advance fees and higher APRs here.
Can I use my Capital One Walmart card at Sam's Club? ›Can I use the Capital One Walmart Rewards Card at Sam's Club? Yes, the Capital One Walmart Rewards™ card can be used at Sam's Club and everywhere Mastercard is accepted.
Can you use Sam's Club credit card at Walmart gas station? ›The Sam's Club® Credit Card can be used anywhere Mastercard is accepted. That is pretty much anywhere, as Mastercard benefits from extensive worldwide acceptance. The Sam's Club® Store Card can also be used at Walmart locations in the U.S. and Walmart.com, but you won't be able to use it at Walmart Fuel Stations.
Do business credit cards have higher limits? ›They tend to have higher credit limits than personal cards. Based on 2020 data from Experian, the consumer's credit limit was $31,015, while the average small business credit card limit was $56,100.
Does Amex report to Dun and Bradstreet? ›
No, American Express business cards don't normally report to the consumer credit bureaus. However, they may report your account information to TransUnion, Experian, and Equifax if your account reaches delinquent status. Instead, your financial activity will be reported monthly to Dun & Bradstreet.
Does Chase report to Dun and Bradstreet? ›Does Chase Report On-Time Business Credit Card Payments to Dun & Bradstreet? Dun & Bradstreet (D&B) is the monarch of business credit reporting agencies. While there are rumors floating around online credit forums that Chase doesn't report to to D&B, this simply isn't true.
Can you use Sam's Club business credit card at Walmart? ›The Sam's Club Credit Card is designed to be used as a store card for purchases at Sam's Club and Walmart. The Sam's Club Mastercard can be used as a more general payment card and is accepted wherever Mastercard is.
Does Sam's Club do financing? ›Yes! Zip, previously Quadpay, allows you to shop your favorite brands now and pay later.